doing some programs, small business programs, taking the themes and work we do and providing advice and education and financing and support in the small business context. we put a lot of money and energy and infrastructure around that program, operating in several cities. if any of you have crossed it you know it very well. that has been a great program. to do what we do on a level that is more comprehensible to people. we recognize the need to do that. >> you started out your career as a lawyer, then became a trader. as head of the firm most of your focus is on clients. when you became head of the firm there were a couple of really good years, perhaps looking back you would mistrust some of that because it was in the midst of the bubble. then some tough ones. maybe we are coming out of that now. it has no doubt tested you as a leader personally. what lessons in leadership has lloyd blankfein learned since becoming chairman of goldman sachs? >> i will tell you, in those good years we were having i did not necessarily feel good. i was looking around every corner nervous as can be. so only in hinds